The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$147,751
−HK$9,265/mo
▼ 0.25% · 3.875%
HK$152,347
−HK$4,669/mo
Today · 4.125%
HK$157,016
baseline
▲ 0.50% · 4.625%
HK$166,570
+HK$9,554/mo
Deposit HK$32.40M · loan HK$32.40M · min. income ≈ HK$314,032/mo (50% DSR)
Upfront cash ≈ HK$35.15M (deposit + AVD stamp duty HK$2,753,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,371
−HK$8,881/mo
▼ 0.25% · 3.875%
HK$168,779
−HK$4,473/mo
Today · 4.125%
HK$173,252
baseline
▲ 0.50% · 4.625%
HK$182,384
+HK$9,132/mo
Deposit HK$32.40M · loan HK$32.40M · min. income ≈ HK$346,504/mo (50% DSR)
Upfront cash ≈ HK$35.15M (deposit + AVD stamp duty HK$2,753,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,301
−HK$11,118/mo
▼ 0.25% · 3.875%
HK$182,816
−HK$5,603/mo
Today · 4.125%
HK$188,419
baseline
▲ 0.50% · 4.625%
HK$199,884
+HK$11,465/mo
Deposit HK$25.92M · loan HK$38.88M · min. income ≈ HK$376,838/mo (50% DSR)
Upfront cash ≈ HK$28.67M (deposit + AVD stamp duty HK$2,753,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,245
−HK$10,657/mo
▼ 0.25% · 3.875%
HK$202,535
−HK$5,367/mo
Today · 4.125%
HK$207,902
baseline
▲ 0.50% · 4.625%
HK$218,861
+HK$10,959/mo
Deposit HK$25.92M · loan HK$38.88M · min. income ≈ HK$415,804/mo (50% DSR)
Upfront cash ≈ HK$28.67M (deposit + AVD stamp duty HK$2,753,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,851
−HK$12,971/mo
▼ 0.25% · 3.875%
HK$213,285
−HK$6,537/mo
Today · 4.125%
HK$219,822
baseline
▲ 0.50% · 4.625%
HK$233,198
+HK$13,376/mo
Deposit HK$19.44M · loan HK$45.36M · min. income ≈ HK$439,644/mo (50% DSR)
Upfront cash ≈ HK$22.19M (deposit + AVD stamp duty HK$2,753,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$230,120
−HK$12,432/mo
▼ 0.25% · 3.875%
HK$236,291
−HK$6,261/mo
Today · 4.125%
HK$242,552
baseline
▲ 0.50% · 4.625%
HK$255,337
+HK$12,785/mo
Deposit HK$19.44M · loan HK$45.36M · min. income ≈ HK$485,104/mo (50% DSR)
Upfront cash ≈ HK$22.19M (deposit + AVD stamp duty HK$2,753,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$265,951
−HK$16,678/mo
▼ 0.25% · 3.875%
HK$274,224
−HK$8,405/mo
Today · 4.125%
HK$282,629
baseline
▲ 0.50% · 4.625%
HK$299,826
+HK$17,197/mo
Deposit HK$6.48M · loan HK$58.32M · min. income ≈ HK$565,258/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$2,753,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$295,868
−HK$15,985/mo
▼ 0.25% · 3.875%
HK$303,803
−HK$8,050/mo
Today · 4.125%
HK$311,853
baseline
▲ 0.50% · 4.625%
HK$328,291
+HK$16,438/mo
Deposit HK$6.48M · loan HK$58.32M · min. income ≈ HK$623,706/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$2,753,814 · Scale 2, in force from 26 Feb 2026)